There is a 99% of probability that you "debloated" your device and created by yourself this problem...
@rbarat: Well, is my wording is better if I say "There's no "Fingerprint Payments" option
IN OUR INSTALLATIONS of Xiaomi.EU V12.0.4.0 for Joyeuse."? Just to be exact. Neither in my nor in OPs ROM (nor in other users who have this phone with this ROM in my close environment, we have a few identical Joyeuse devices here) shows that menu option. Weird? Yes.. reproducible? To me absolutely..
@Poney70: No need for the wink. I assume you are -more than likely- refering to
this thread and the debloating of Mi Cloud and SoterService for example. Even though
I wrote about Magisk and rooting extensively a lot I didn't disable any system app or anything else (yet..) and neither the others (I assume, at least noone (neither the OP) ever mentioned it above). I even uninstalled Magisk because I don't really need it (now). We were able to reproduce the same thing as the OP said
here (far as I understand), yesterday I formated one and clean installed the ROM - no joy.. Probably it has something to do with
this, I will check if I will have time to investigate it (I didn't restart the phones many times, probably the system will "settle" (upgrade/update some components?) after some time).. Our devices here are all were EUXM (not MIXM) originally, I don't know whether is has anything to do with the above fact I (we) experience.